You could be owed £1,658* for car finance.You could be owed £1,658* for car finance.
If you purchased two or more cars on finance in the UK between April 2007 and November 2024.
Check your agreements in just 90 seconds
A slice of the £7.5 billion has your name on it
Millions of customers who purchased cars on finance between April 2007 to November 2024 don’t realise they may have been overcharged. With LST Solicitors, you can check if you could qualify for compensation in about 60 seconds.
Inflated Interest Rates
Before the regulator banned Discretionary Commission Arrangements (DCAs) on 28 January 2021, lenders could raise your car-finance interest rate to earn extra commission. Agreements containing a DCA are covered by the FCA's scheme.
Unfair Agreements
Following the Supreme Court's August 2025 judgment, the FCA confirmed that some car-finance agreements can be unfair even where the lender didn't adjust the interest rate. This typically applies where commission was high (39% or more of the total cost of credit and 10% or more of the loan) or where a tied lender-broker arrangement wasn't properly disclosed.
Motor Finance Compensation Scheme
The FCA published its final Motor Finance Redress Scheme (PS26/3) on 30 March 2026. The scheme covers eligible motor finance agreements taken out between 6 April 2007 and 1 November 2024, with around £7.5 billion estimated for consumer redress. First payments are expected from November 2026.
Our Offering
With LST Solicitors, our system integrates with major finance databases to find all car-finance agreements in your name, even if you've moved home or changed your name since you bought the car. In about 60 seconds, you can check whether your past agreements could be eligible under the FCA's scheme.
How does it work?
There are three quick steps, all online.
Find Your Agreements
We can locate your HP or PCP agreements taken out between April 2007 and November 2024 in about 60 seconds, even if you've moved home or changed your name.
Check Your Eligibility
We review each agreement to identify potential undisclosed or excessive commission and other indicators of unfairness.
Your Results
We'll confirm which agreements may be eligible for compensation. Our experienced financial mis-selling team handles your case end-to-end on a No Win, No Fee basis. See below to see more details about our fee structure.
A slice of the £7.5 billion could be yours
Thousands of drivers have trusted their car finance claim with LST Solicitors.
Why Choose Us?
We are a financial mis-selling law firm with a team of experts dedicated to pursuing financial mis-selling claims and helping customers like you pursue compensation.
Transparent Fees
We run your case on a No Win, No Fee basis. As long as you comply with the terms of our agreement, you will only pay if your claim succeeds. Our success fee is 18% to 36% of the compensation we recover, confirmed before you sign. (For example, if you receive £1,000, our fee would be £300, plus VAT where applicable.)
Specialist Team
Our dedicated financial mis-selling team manages cases like yours from start to finish. A secure online portal keeps you informed at every stage, from complaint to outcome, so you always know what happens next.
Honesty
You do not have to use a law firm or claims management company to make a complaint. You can complain to your lender, refer your case to the Financial Ombudsman Service, or use the FCA's Motor Finance Consumer Redress Scheme — all of which are free of charge. If you instruct LST Solicitors, our team will do the heavy lifting so you do not have to, including identifying every eligible agreement and managing the redress process end-to-end.
